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Old 12-20-2007, 06:08 PM   #1
Duck84
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wanna check credit

I wanna see how my credit score is...does anybody know about a safe place on internet or if it would affect my credit or anything like that....any help is good....dont know a thing aabout it...so please help!!!

THankx guys
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Old 12-20-2007, 06:14 PM   #2
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https://www.annualcreditreport.com/cra/index.jsp


Free every 12 months. Get all 3. Have a printer handy.
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Old 12-20-2007, 06:14 PM   #3
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Quote:
Originally Posted by Duck84 View Post
I wanna see how my credit score is...does anybody know about a safe place on internet or if it would affect my credit or anything like that....any help is good....dont know a thing aabout it...so please help!!!

THankx guys
Federal Trade Commission (to learn more)

For the report itself:
Experian
TransUnion
Equifax

You are entitled to one free report FROM EACH agency every 12 months so spread out how you inquire your report. Try to spread it out every 3 months to get a good picture of the whole year of activity on your report per year...
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indifferent0028"They've created a nation of spenders, speculators, and consumers, and they've destroyed the savers, producers, and the investing class that built this country. We're moving from a market-based economy to essentially a planned economy. We're abandoning capitalism and embracing socialism. That's a recipe for disaster." - Peter Schiff
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Old 12-20-2007, 06:14 PM   #4
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Wait.. you said score. Not sure if the score is included, or just the actual reports
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Old 12-20-2007, 06:15 PM   #5
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https://www.annualcreditreport.com/cra/index.jsp


Free every 12 months. Get all 3. Have a printer handy.
would it hurt my vredit if i check it?
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Old 12-20-2007, 06:16 PM   #6
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ur bank should be able to give u a FREE credit report
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Old 12-20-2007, 06:16 PM   #7
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just fill out an credit card app, if they deny u they have 2 give you a free report. or u can get a free report once a year by law just have to call experian, or the other 2. and if u need help cleaning ur report up ill show u some tricks. dont pay 4 it is all scams u can do all this 4 free.
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Old 12-20-2007, 06:17 PM   #8
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Quote:
Originally Posted by Duck84 View Post
would it hurt my vredit if i check it?

It shouldn't. You're just obtaining a copy, not applying for additional credit.
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Old 12-20-2007, 06:18 PM   #9
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Quote:
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Wait.. you said score. Not sure if the score is included, or just the actual reports
Yeah, the score is not included in the report but with Experian you can ask about the score and yes it hurts your score but not enough to cause any significant enough damage. It will be a soft hit which is erased by an on time payment after receiving a hit of that nature...get the report and make a payment on something...
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Old 12-20-2007, 06:22 PM   #10
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cerdit report is where they tell u aboput the points and all that right?
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Old 12-20-2007, 06:25 PM   #11
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Quote:
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cerdit report is where they tell u aboput the points and all that right?
It basically gives you a history of what you've done with regard to credit. This is to include gas cards, check cards, dept store cards, credit cards, loans, etc...you can check it for discrepancies ala things you did not apply for/ did not use. The credit score is tabulated by using the data found on the report and is usually acquired through some third party agency...

...that annualcreditreport site should tell you how to get it rather than having to dig through the FTC site I provided before. But the FTC site tells you everything you need to know...
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Old 12-20-2007, 06:26 PM   #12
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the only time your credit is hurt by inquiry is if it's done by someone besides yourself, you can check your own credit 5 times a day for the rest of your life and it wouldn't damage your score.
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Old 12-20-2007, 06:28 PM   #13
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https://www.annualcreditreport.com/cra/index.jsp

ok so this link should tell me my score right?
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Old 12-20-2007, 06:29 PM   #14
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https://www.annualcreditreport.com/cra/index.jsp

ok so this link should tell me my score right?
no
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Quote:
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im not a midget , i was actually born with a type of dwarfism, but i took medication for 12 yrs to reach just 5'6"
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Old 12-20-2007, 06:30 PM   #15
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Quote:
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im not a midget , i was actually born with a type of dwarfism, but i took medication for 12 yrs to reach just 5'6"
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Old 12-20-2007, 06:34 PM   #16
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if you READ you might learn
OK OK Dont get all fired up dude...relax man...and THANK YOU SO MUCH
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Old 12-20-2007, 06:49 PM   #17
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Old 12-20-2007, 07:16 PM   #18
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Old 12-20-2007, 08:20 PM   #19
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ok i didnt read all that but this is how it works, you by law have the right to on free credit report each yr or if you have been denied credit, so you can go to each credit buero web and get one from each, the credit score is more what banks use and if you want the beekin score you can pay for those from each buero as well.

what i did is just ask my bank when they run my credit, and they tell me! but depending on what you are trying to get on credit will determin what score they use, each buero is for diff credit kinda,


any way i hope this helped,
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Old 12-20-2007, 08:34 PM   #20
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cool...i kind of just wanna know where i am at cuz i have no idea...i got a lot of shait (finance) like a truck, house, 2 credit cards or 3 dont remember...and some other shait and i've never been late on anythiong so im assuming my credit has to be allright but i wannafind out...so tjank u guys
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